Prescription prices got you feeling like you’re robbing a bank? Medicare Part D is here to be your financial pharmacist! This part of Medicare is all about drug coverage for seniors. Think of it as a prescription discount card, but way more official. Imagine you need a super expensive medicine, like the kind that costs more than your new gaming console. Part D can help bring those costs down to earth. It’s offered by private companies and helps with the costs of prescription medications you pick up at the pharmacy. The twist? Part D has different “stages” of coverage, like levels in a video game. There’s the deductible stage (you pay full price), initial coverage (Medicare helps pay), the coverage gap or “donut hole” (temporary limit), and catastrophic coverage (Medicare pays almost everything). Navigating these stages is like learning the rules of a complex board game, but understanding them can save you serious cash! Actionable Tip: Next time you’re at the pharmacy with a senior, notice if they use a separate drug card – it might be their Part D card! Pharmacy costs are a real deal, and Part D is a major help for seniors.